Sound Familiar?
You've Earned the Claims. The Cash Is Stuck in the Queue.
Right now there's $200K, maybe $400K, in claims you've already earned — work your providers did weeks ago — sitting in an insurer's queue. Payroll runs Friday regardless. A piece of equipment would let you add a service line, or the practice down the road is finally for sale. But the bank looks at your student debt, asks for two years of returns, and takes six weeks to think about it. So you wait on the insurer, you pass on the equipment, you let the acquisition go. None of that is a demand problem — your schedule's full and the claims are real. It's capital stuck between the care you've delivered and the day the insurer pays for it.
If the gap between treating the patient and getting paid never decided what your practice could do next — how much further along would you be?
Bobby’s Take
Healthcare professionals are some of the best borrowers in our entire network — among the lowest default rates of any industry. If a bank denied you over student debt, they don't understand healthcare lending. The lenders here fund on the practice itself and structure the gap, the equipment, and the acquisition before the insurer ever pays. So picture what this practice does when your insurer's timeline stops setting your pace — how much more do you treat, hire, and acquire?
Bobby Friel, Founder, Basecamp Funding · 20+ years in banking and finance
The Real Challenges
The Real Challenges Practices Face — and How Funding Solves Each One
| What it costs you | What solves it | Typical range | Speed | |
|---|---|---|---|---|
| The insurance reimbursement gap | Claims paid 60–90 days out; payroll doesn't wait. | Line of credit | $250K–$5M | Days |
| Practice acquisition | The practice you want won't wait a bank's quarter. | Business acquisition financing | $250K–$5M | 2–4 weeks |
| Medical equipment | Imaging, diagnostic, and operatory packages run six figures. | Equipment financing | $250K–$5M | 3–7 days |
| Startup / new practice | A new practice needs equipment, fit-out, and ramp before revenue. | Working capital + equipment | $250K–$5M | Days–weeks |
| Second location | A new site needs facility and equipment capital. | Owner-occupied CRE + working capital | $250K–$20M+ | Weeks |
| Staffing & payroll | Providers and staff carry payroll before reimbursements land. | Working capital | $250K–$5M | 1–3 days |
| Technology & EHR | EHR, practice-management, and compliance systems. | Equipment financing or working capital | $250K–$5M | Days |
Larger lines available when revenue, cash flow, and story qualify.
Malpractice and practice coverage for your healthcare business → InsuranceService365.com (29 states).
The Numbers That Matter
The Money You've Earned, Waiting on the Insurer
Lowest
Healthcare practice loans carry among the lowest default rates of any industry.
SBA Office of Advocacy
$500K–$2M
A practice acquisition runs this, depending on specialty and location.
Becker's Healthcare
$200K–$500K
A full dental operatory equipment package runs this.
Dental Economics
Capital Stacking
One File. The Acquisition and the Gap, Funded.
Buying a practice is never just the purchase price. You take over a patient panel mid-cycle — which means you inherit 60–90 days of reimbursement lag the day you take the keys, on top of payroll and the note. A bank prices the takeover as a single risk and moves at a quarter's pace. A marketplace structures each piece with the lender who underwrites it best — acquisition financing for the purchase, a working-capital line for the reimbursement gap, equipment financing for the upgrade — then stacks them into the number the takeover actually needs.
Funded for the practice you're buying and the reimbursement lag you inherit — priced on the practice, not the slowest payer.
How a $900K practice takeover gets funded
Acquisition line caps short? The remainder stacks — for the full structure, see commercial financing.
Practices We've Funded
We've Funded Practices Like Yours
Representative scenarios — illustrative, anonymized figures, not specific client transactions.
Start Here
Find Your Structure in 60 Seconds
Move the slider for your estimated range, then answer three quick questions to lock it in. No documents to start. Soft-pull review — no score impact, no effect on your student loans.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
What a practice owner hears every week
“Your claims are money you've already earned. The only problem is the ninety days an insurer takes to hand it over — and that's a timing problem capital solves.”
Bobby Friel · Founder, Basecamp Funding
Why Us
Why Practices Fund With Us Instead of Their Bank
The Real Cost
Where Could This Practice Be Right Now?
The reimbursement gap you're carrying never shows up on a term sheet — but every week the capital isn't in place, it compounds. If capital moved at the speed of your decisions instead of your insurer's — where would this practice be a year from now?
Structure Your Capital Plan →Tax Strategy
Section 179 + 100% Bonus Depreciation on Your Equipment
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“If you're paying cash for imaging or operatory equipment, run the Section 179 numbers first. Finance it, deduct it, and keep your cash for the reimbursement gap.”
Bobby Friel · Founder · 20+ years in banking and finance
Avoid These
5 Funding Mistakes That Cost Practices the Most
Nearly every healthcare borrower carries it, and the lenders here approve on practice revenue and cash flow, not your debt-to-income. Don't let a bank's student-debt reflex talk you out of applying.
Draining reserves for a six-figure imaging or operatory package strips the working capital you need to bridge the reimbursement gap. Finance it, take the Section 179 deduction, keep the cash working.
A line of credit costs nothing until you draw it. Put it in place while your numbers are strong — not in the middle of a claims backlog.
The practice you want won't wait a bank's quarter. Revenue-based acquisition financing funds in weeks, so the timing of capital never decides whether you win the practice.
Commingled accounts slow underwriting and cloud the practice's true cash flow. A clean business operating account speeds every approval.
Put It to Work
Use Your Capital For
01Bridge the reimbursement gapSee howLess“How much of what you've already earned is sitting in an insurer's queue right now?”
A line of credit you draw through the gap and repay when claims land.
Structure this02Acquire a practiceSee howLess“What practice would you buy if capital weren't a quarter away?”
Revenue-based acquisition financing.
Structure this03Medical & diagnostic equipmentSee howLess“What service line could you add if the imaging package were already in?”
Equipment financing, the equipment as collateral, Section 179 year one.
Structure this04Open a startup practiceSee howLess“What's the practice you'd open if the bank didn't treat a new one as a risk?”
Working capital plus equipment to launch.
Structure this05Second locationSee howLess“What's the second site you'd open if the facility and equipment were funded together?”
Owner-occupied CRE plus working capital.
Structure this06Staffing & associatesSee howLess“What could you bill with the associate you haven't hired because reimbursements are slow?”
Working capital for payroll ahead of the ramp.
Structure this07EHR & practice technologySee howLess“What's an outdated EHR or PM system costing you in denied and delayed claims?”
Equipment financing or working capital for the upgrade.
Structure this08Renovate the patient experienceSee howLess“What would a refreshed office do for your panel and your referrals?”
Working capital for the refresh.
Structure this09Buy your buildingSee howLess“When the lease comes up, are you signing again or buying the space?”
Owner-occupied CRE.
Structure this10Consolidate high-cost debtSee howLess“What would your monthly cash look like if the high-cost positions were one payment?”
Consolidate; rate-review later — get funded now, optimize later.
Structure this11Compliance & accreditationSee howLess“What's a compliance or accreditation requirement costing you in deferred capital?”
Working capital to stay ahead of it.
Structure this12Marketing & patient growthSee howLess“What's the demand you're not capturing for lack of capital to serve it?”
Working capital for the growth.
Structure thisFunding by the Size of the Need
Funded at Every Stage
One application, multiple lenders — and a file read on practice revenue funds in days, whether the need is $250K or $20M+.
How It Works
From Qualifier to Funded in Five Steps
No paperwork avalanche. No bank lobby. No guessing.
Qualify
A few questions about the business, right here. No documents to start.
Application
A soft credit pull and a quick document review to pre-underwrite the file.
Matched to the Right Lenders
The specialist lenders who fund your business - the right lender on each piece.
One Advisor, Real Term Sheets
Your advisor brings back real term sheets, not estimates, and walks the structure.
Structured & Funded
Accept the structure that fits, sign digitally - funded in days, not months.
For the application, have ready
Under two years in business, or the returns show a loss? We can structure on bank statements alone.
Full Transparency
What Kills Your Qualification — and What Doesn't
Most lenders won't tell you this up front. We will.
By Specialty
Financing by Specialty
Every insurance-billing specialty — click yours for tailored options. We also fund surgery centers, medical imaging, and home health; start a review and we'll structure to your specialty.
Run a cash-pay aesthetic practice instead — a med spa, injectables, or lasers? That's a different model, funded on cash-pay revenue. The hand-off at the end points you to the Med Spa hub.
Recommended Products
The Products Practices Fund With
Matched to how the reimbursement cycle actually runs — and stacked into the full number when one isn't enough.
Business Acquisition
Buy a practice or a patient panel; revenue-based, funded in weeks.
Equipment Financing
Imaging, diagnostic, operatory, and EHR hardware; the equipment secures the loan.
Working Capital
Payroll, supplies, and the reimbursement gap.
Business Line of Credit
A standing line for the claims cycle; draw when a payer is slow, repay when claims land.
Term Loans
One lump sum for expansion, renovation, or a startup launch.
Commercial Real Estate
Owner-occupied: buy your building or open a second location.
FAQs
Healthcare Financing — Questions Practice Owners Ask
No. Healthcare borrowers carry student debt as a matter of course; approval here runs on practice revenue and cash flow, not your debt-to-income.
Practice revenue, time in operation, and cash-flow stability. Credit is one factor — revenue-first underwriting can offset student debt or a young practice.
Roughly 100–150% of average monthly deposits for working capital, more against equipment and acquisitions. Established practices qualify for far more, stacked. Acquisitions run $250K–$5M+ depending on specialty.
Equipment financing funds in days; emergency equipment can move as fast as same day. A line for the reimbursement gap funds quickly; an acquisition stack typically funds in 2–4 weeks.
Yes. A line of credit is built for exactly this — draw against the gap when a payer is slow, repay when claims land. It costs nothing until you draw it.
Yes. With 6+ months operating and steady deposits, the revenue carries the file. Brand-new practices can qualify as startups with equipment as collateral.
Yes. Revenue-based acquisition financing funds in weeks, often with a capital-stack layer for the reimbursement lag you inherit. See /loans/business-acquisition.
No. A soft-pull review has zero impact on your FICO and no effect on your student loans. A hard pull only happens if you choose to move forward with a specific lender's offer.
The Operator's Guide
Healthcare Financing, the Way the Reimbursement Cycle Actually Runs
Why banks misread a practice
Here's what drives me crazy about bank lending for healthcare: the safest borrower in the room gets treated like the riskiest. You bill insurers, not deadbeats — the cash is coming, it's just slow. A bank reads that slowness as risk and the student debt as a red flag. The lenders here read it for what it is — a timing gap on revenue you've already booked — and they fund it.
I talk to practice owners every week who missed an acquisition because the bank moved at a quarter's pace, or who drained reserves on equipment and then got caught short when a payer held a claims batch. Both are financing problems, and both are fixable — one application, the right structure, the gap and the growth funded together.
Every specialty, funded around the cycle
Primary care, dental, pediatrics, chiropractic, urgent care, orthopedics, ophthalmology, mental health, physical therapy, veterinary, surgery centers, imaging, home health — we fund all of them. A line of credit for the reimbursement gap. Equipment financing for imaging and operatory packages, Section 179 deductible. Revenue-based acquisition financing in weeks. Owner-occupied CRE for the building or the second location. The capital matched to the need, then stacked into the full number. If you run a cash-pay aesthetic practice — a med spa, injectables, lasers — that's a different model; see /industries/med-spa.
If there's a gap to bridge, equipment to add, or a practice to buy — start the review. A few minutes, soft-pull, no score impact and no effect on your student loans. Most practice owners hear back within hours.
